FREQUENTLY ASKED QUESTIONS

All insurance companies MUST mention our name on every cancellation or non-renewal notice per the Wisconsin state statutes whether you need us or not. We are a service for people who can't get automobile coverage anywhere else at any price.

The Wisconsin Automobile Insurance Plan does not quote insurance premiums. Any insurance agent who is licensed in Wisconsin can provide you with a quote through the Plan, however you must specifically ask about the Plan. The agent will provide you with a quote based on your needs, and if agreed upon, the agent will submit all paperwork and a deposit check to our office.

Assuming all required information is accurately provided, coverage is effective 12:01 AM on the day following receipt of the application in our office.

We have three options available:

• FULL ANNUAL PREMIUM - monies are all paid up front.
• ADVANCE PREMIUM PAYMENT - 40% of the estimated annual premium is submitted with the application and the balance is paid in 30 days.
• INSTALLMENT PREMIUM PAYMENT - 40% of the estimated annual premium is submitted with the application. After 90 days the company will bill 30% of the estimated premium and in another 90 days, the final 30% will be billed. (It's an annual policy paid in 6 months.) There is a $4.00 charge per installment. This option is not available if any portion is premium financed.

Liability limits include:

We also offer medical payments, uninsured motorists coverage, underinsured motorist coverage, and physical damage coverage. Physical damage coverage must have the same deductible for BOTH comprehensive and collision coverage.

The Plan charges for both violations/accidents if they happen on the same day.

Yes, you may be cancelled or non-renewed for nonpayment of premium or for not having a valid driver's license. As long as you maintain eligibility under the current Plan rules, your policy will automatically renew each year, for four consecutive years.

After you have completed three years in the Plan with a satisfactory record* and before the end of the fourth and final year of your assignment period, your assigned company will:

Notify you and your agent that you may be eligible for coverage in the voluntary market. The voluntary market is defined as standard or high risk automobile insurance. It is the hope of the Plan that your agent will be able to place your insurance coverage elsewhere.
-OR-
Your assigned company in the Plan may write your insurance at its regular rates starting at the expiration of the four year assignment period if you are eligible under the Plan rules.

(*) A satisfactory driving record is defined as having no at fault accidents or violations or any physical damage claim in the last three years of the four year assignment period.

The Wisconsin Driver Licensing Abbreviation Codes with Charges and Points can be found on the Wisconsin Department of Transportation Web site.

The Wisconsin Automobile Insurance Plan does not quote any insurance premiums. Any insurance agent who is licensed in Wisconsin can provide you with a quote through the Plan, however, you must specifically ask about the Plan. The agent will provide you with a quote based on your needs. If agreed upon, the agent will submit all paperwork and a deposit check to our office.

The Servicing Carrier will bind coverage at 12:01 a.m. on the day following a properly completed application received at the plan office. If limits are needed in excess of $1,000,000 CSL and reinsurance is required, coverage will be bound when the reinsurance is secured.

If coverage is $1,000,000 CSL or less, the Plan goes strictly off the losses of the business. Driver information is required when limits exceed $1,000,000 for reinsurance purposes.

We have three options available:

• FULL ANNUAL PREMIUM - monies are all paid up front.
• ADVANCE PREMIUM PAYMENT - 25% of the estimated annual premium is submitted with the application and the balance is paid in 30 days.
• INSTALLMENT PREMIUM PAYMENT- 25% of the estimated annual premium is due with the application. The servicing carrier will then take the remaining amount and divide it into 9 installments, however, each installment must be at least $200.00. There is a $4.00 charge per installment. This option is not available if any portion is premium financed.

Liability Combined Single Limits include:

We can also provide higher liability limits if it is required by federal, state or local ordinance. The Plan provides uninsured motorist coverage, medical payments, and underinsured motorist coverage. The Plan DOES NOT provide any physical damage coverage on a commercial policy.

The Plan does not send out cancellation or non-renewal notices. This usually is from your current automobile insurance company. Our name is mentioned on the notice because of a state law that you are aware of our services. The Plan cannot explain why you were cancelled or non-renewed by your company. You must contact either your insurance agent or the company who is canceling you for that reason.

All deposits must either be a certified check, cashier's check, agency check, or money order, and made payable to the Wisconsin Auto Insurance Plan.

Agents who submit applications to the Plan have no binding authority.

Whenever you are able to secure coverage elsewhere, you may cancel your Plan policy with no penalty. All premiums will be calculated on a pro rata basis for actual time used.
(*) The voluntary market is defined as standard or high risk automobile insurance.

First, you should contact your agent and/or the assigned company and attempt to resolve the issue.

Second, if you are not satisfied with the result, contact the Plan. The staff at the Plan office will attempt to resolve the problem in a manner acceptable to all parties.

Finally, the Wisconsin Office of the Commissioner of Insurance, 125 South Webster Street, Madison, WI 53703, telephone 608-266-3585 or 800-236-8517, will review and investigate any complaints brought to their attention.

The Carrier or Company assigned to the applicant will make the necessary SR-22 filing and mail the filing to the Department of Transportation in Madison, Wisconsin.